to give me an idea, how many this evening may find one about to tell you a practical guide, i'd like to ask you to raise your hands to one or the other of two questions that i will now post. first, but those of you raise your hand who either are over age 65, or hope to live past age 65, or have a parent or grandparent over 65? [laughter] >> many of you, all right. then the second group, let me ask, please raise your hand if you are under 65, have no intention of living past 65, had had no parent or grandparent who live past 65? regime and. all right. ics matter to those of you into this group, you are the ones to whom i think my talk this evening will be of practical value. value. [laughter] those of you in the second group my talk will not be of practical value but i think you'll still find the subject fascinating.